ANALISIS KEBIJAKAN FINTECH LENDING SYARIAH DI INDONESIA: Studi Implementasi, Dampak, Perubahan, dan Efektivitas POJK 77 Tahun 2016 dan Fatwa DSN MUI Nomor 117 Tahun 2018

Suad Fikriawan, NIM.: 1630316002 (2021) ANALISIS KEBIJAKAN FINTECH LENDING SYARIAH DI INDONESIA: Studi Implementasi, Dampak, Perubahan, dan Efektivitas POJK 77 Tahun 2016 dan Fatwa DSN MUI Nomor 117 Tahun 2018. Doctoral thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

[img]
Preview
Text (ANALISIS KEBIJAKAN FINTECH LENDING SYARIAH DI INDONESIA Studi Implementasi, Dampak, Perubahan, dan Efektivitas POJK 77 Tahun 2016 dan Fatwa DSN MUI Nomor 117 Tahun 2018)
1630316002_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf

Download (14MB) | Preview
[img] Text (ANALISIS KEBIJAKAN FINTECH LENDING SYARIAH DI INDONESIA Studi Implementasi, Dampak, Perubahan, dan Efektivitas POJK 77 Tahun 2016 dan Fatwa DSN MUI Nomor 117 Tahun 2018)
1630316002_BAB-II_sampai_SEBELUM-BAB-TERAKHIR.pdf
Restricted to Registered users only

Download (11MB) | Request a copy

Abstract

Peer to peer lending fintech development can promote the growth of small and medium businesses in Indonesia since fintech industry provides practical loan services to those who need. This prompts a support from the government through their regulations, two of which are POJK number 77/POJK.01/2016 and DSN-MUI number 117/DSN-MUI/II/2018. According to empirical studies, however, obstacles like the regulator’s slow response to accommodate chapter are found in the implementation of the policies. The studies also discover that the clause in POJK is more relevant to conventional fintech lending and that the fatwa, apart from their weak position before the law, is too specifically regulate the contract model. The existing problems make the implementation ineffective. Hence, the researcher tried to analyze the way the regulation is implemented, its impact, changes and its effectiveness to sharia fintech lending industry. This study takes maqāṣid as-syarī’ah Abū Isḥāq as-Shāṭibī to be the standard of good, positive effects and public policy concept from Merilee Serill Grindle to be the standard of implementation. Through these two perspectives, the researcher tried to reveal the implementation, impacts, changes and effectiveness of sharia fintech lending policy. The results show that factors like program execution, provided manpower, and institution’s characters and the ruling regime are predominant over the implementation of sharia fintech lending policy in Indonesia. It indicates the dominant OJK’s role in the implementation of the policy. The implemented policy tends to be instructional (top-down) making the policy works only for short-term goals such as registration and business licensing and minimizing illegal ones. In a long term, it fails to accommodate the business development and innovation, in particular for sharia fintech lending. In terms of loss and benefit, the implementation of the policy is inefficient showing that the benefit cannot surpass the cost following policy implementation. This is confirmed by the average N-Gain Score test which is 70.4% with the maximum and minimum are 98.50 and 52.90, respectively. The percentage tells that the policy implementation is effective enough to reach its goals.

Item Type: Thesis (Doctoral)
Additional Information: Promotor 1: Prof. Dr. H. Syamsul Anwar, M.A. dan Dr. Misnen Ardiansyah, S.E., M.Si., Ak., CA., ACPA.
Uncontrolled Keywords: fintech lending syariah; maqāṣid al-syari’ah; kebijakan publik; Pengawasan dan Mitigasi Risiko
Subjects: Ekonomi Syariah
Manajemen Keuangan Syariah
Divisions: Pascasarjana > Disertasi > Ekonomi Syariah
Depositing User: Muchti Nurhidaya [muchti.nurhidaya@uin-suka.ac.id]
Date Deposited: 19 Jan 2022 14:34
Last Modified: 19 Jan 2022 14:34
URI: http://digilib.uin-suka.ac.id/id/eprint/48717

Share this knowledge with your friends :

Actions (login required)

View Item View Item
Chat Kak Imum